The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,288
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,764
−HK$483/mo
Today · 4.125%
HK$16,247
baseline
▲ 0.50% · 4.625%
HK$17,235
+HK$988/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$32,494/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,008
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,464
−HK$463/mo
Today · 4.125%
HK$17,927
baseline
▲ 0.50% · 4.625%
HK$18,872
+HK$945/mo
Deposit HK$3.35M · loan HK$3.35M · min. income ≈ HK$35,854/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$201,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,346
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$18,916
−HK$580/mo
Today · 4.125%
HK$19,496
baseline
▲ 0.50% · 4.625%
HK$20,682
+HK$1,186/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$38,992/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,409
−HK$1,103/mo
▼ 0.25% · 3.875%
HK$20,957
−HK$555/mo
Today · 4.125%
HK$21,512
baseline
▲ 0.50% · 4.625%
HK$22,646
+HK$1,134/mo
Deposit HK$2.68M · loan HK$4.02M · min. income ≈ HK$43,024/mo (50% DSR)
Upfront cash ≈ HK$2.88M (deposit + AVD stamp duty HK$201,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,403
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$22,069
−HK$676/mo
Today · 4.125%
HK$22,745
baseline
▲ 0.50% · 4.625%
HK$24,129
+HK$1,384/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$45,490/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,811
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$24,450
−HK$647/mo
Today · 4.125%
HK$25,097
baseline
▲ 0.50% · 4.625%
HK$26,420
+HK$1,323/mo
Deposit HK$2.01M · loan HK$4.69M · min. income ≈ HK$50,194/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$201,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,519
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,374
−HK$870/mo
Today · 4.125%
HK$29,244
baseline
▲ 0.50% · 4.625%
HK$31,024
+HK$1,780/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$58,488/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,614
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$31,435
−HK$833/mo
Today · 4.125%
HK$32,268
baseline
▲ 0.50% · 4.625%
HK$33,969
+HK$1,701/mo
Deposit HK$670K · loan HK$6.03M · min. income ≈ HK$64,536/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,137 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).